Pathfinder Bancorp, Inc. (PBHC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 10.34M | 10.51M | 11.56M | 10.79M | 11.32M | 10.21M | 11.58M | 9.3M | 9.27M | 8.93M | 9.92M | 9.61M | 9.89M | 11.11M | 10.72M | 9.93M | 9.42M | 9.68M | 9.7M | 10.13M |
| NII Growth % | -8.64% | 2.91% | -0.23% | 16.03% | 22.08% | 14.41% | 16.76% | -3.19% | -6.26% | -19.61% | -7.5% | -3.19% | 5% | 14.71% | 10.51% | -1.99% | 11.16% | 23.7% | 18.23% | 33.69% |
| Net Interest Margin % | 0.73% | 0.74% | 0.78% | 0.72% | 0.76% | 0.69% | 0.78% | 0.64% | 0.64% | 0.61% | 0.71% | 0.69% | 0.7% | 0.79% | 0.77% | 0.73% | 0.71% | 0.75% | 0.77% | 0.8% |
| Interest Income | 17.5M | 18.29M | 19.69M | 19.16M | 19.35M | 19.36M | 21.05M | 18.84M | 18.48M | 18.1M | 17.53M | 16.5M | 14.96M | 14.95M | 13.33M | 11.65M | 10.93M | 11.14M | 11.54M | 11.98M |
| Interest Expense | 7.16M | 7.78M | 8.14M | 8.37M | 8.03M | 9.15M | 9.47M | 9.54M | 9.21M | 9.17M | 7.61M | 6.89M | 5.08M | 3.85M | 2.6M | 1.73M | 1.51M | 1.46M | 1.84M | 1.85M |
| Loan Loss Provision | -168K | 11.19M | 3.49M | 1.2M | 457K | 988K | 8.97M | 290K | 711K | 265K | 833K | 1.14M | 692K | 1.88M | 710K | 59K | 102K | -1.04M | 104K | 929K |
| Non-Interest Income | 1.33M | 1.31M | 1.55M | -1.5M | 1.29M | 1.42M | 1.58M | 1.16M | 1.57M | 1.33M | 1.06M | 927K | 1.41M | 1.96M | 988K | 1.09M | 1.45M | 1.26M | 1.41M | 1.33M |
| Non-Interest Income % | 7.06% | 6.7% | 7.28% | -8.47% | 6.25% | 6.84% | 7% | 5.78% | 7.81% | 6.87% | 5.7% | 5.32% | 8.61% | 11.58% | 6.9% | 8.57% | 11.69% | 10.13% | 10.86% | 9.97% |
| Total Revenue | 18.83M | 19.61M | 21.24M | 17.66M | 20.64M | 20.78M | 22.63M | 20M | 20.05M | 19.43M | 18.59M | 17.43M | 16.37M | 16.91M | 14.31M | 12.75M | 12.38M | 12.39M | 12.95M | 13.31M |
| Revenue Growth % | -8.75% | -5.66% | -6.16% | -11.68% | 2.95% | 6.97% | 21.75% | 14.78% | 22.43% | 14.89% | 29.87% | 36.69% | 32.25% | 36.44% | 10.53% | -4.19% | 0.01% | 3.71% | 9.15% | 12.45% |
| Non-Interest Expense | 8.89M | 9.15M | 8.94M | 8.06M | 8.43M | 4.9M | 9.99M | 7.68M | 7.42M | 6.83M | 7.38M | 6.89M | 7.26M | 7.24M | 7.04M | 6.89M | 7.05M | 6.99M | 6.6M | 6.65M |
| Efficiency Ratio | 47.23% | 46.67% | 42.08% | 45.64% | 40.86% | 23.56% | 44.12% | 38.38% | 37.02% | 35.14% | 39.7% | 39.55% | 44.36% | 42.81% | 49.17% | 54.06% | 56.93% | 56.42% | 50.93% | 49.98% |
| Operating Income | 2.94M | -8.52M | 672K | 38K | 3.72M | 5.75M | -5.79M | 2.49M | 2.71M | 3.17M | 2.77M | 2.5M | 3.34M | 3.94M | 3.96M | 4.07M | 3.72M | 4.98M | 4.41M | 3.88M |
| Operating Margin % | 15.63% | -43.46% | 3.16% | 0.22% | 18.02% | 27.67% | -25.58% | 12.46% | 13.49% | 16.3% | 14.88% | 14.38% | 20.42% | 23.3% | 27.69% | 31.91% | 30.01% | 40.2% | 34.05% | 29.12% |
| Operating Income Growth % | -20.84% | -248.17% | 111.61% | -98.48% | 37.45% | 81.53% | -309.22% | -0.48% | -19.11% | -19.61% | -30.2% | -38.42% | -10.01% | -20.91% | -10.11% | 4.98% | 35.57% | 153.07% | 133.33% | 70.93% |
| Pretax Income | 2.94M | -8.52M | 672K | 38K | 3.72M | 5.75M | -5.79M | 2.49M | 2.71M | 3.17M | 2.77M | 2.5M | 3.34M | 3.94M | 3.96M | 4.07M | 3.72M | 4.98M | 4.41M | 3.88M |
| Pretax Margin % | 15.63% | -43.46% | 3.16% | 0.22% | 18.02% | 27.67% | -25.58% | 12.46% | 13.49% | 16.3% | 14.88% | 14.38% | 20.42% | 23.3% | 27.69% | 31.91% | 30.01% | 40.2% | 34.05% | 29.12% |
| Income Tax | 530K | -1.47M | 46K | 7K | 744K | 492K | -1.17M | 481K | 532K | 590K | 573K | 530K | 669K | 383K | 772K | 780K | 721K | 1.09M | 1M | 851K |
| Effective Tax Rate % | 18.01% | 17.29% | 6.85% | 18.42% | 20.01% | 8.56% | 20.26% | 19.29% | 19.67% | 18.62% | 20.71% | 21.16% | 20.01% | 9.72% | 19.48% | 19.17% | 19.4% | 21.95% | 22.79% | 21.96% |
| Net Income | 2.41M | -7.05M | 626K | 31K | 2.97M | 3.91M | -4.64M | 2M | 2.12M | 2.54M | 2.18M | 1.98M | 2.6M | 3.53M | 3.18M | 3.27M | 2.95M | 3.88M | 3.37M | 3.01M |
| Net Margin % | 12.81% | -35.95% | 2.95% | 0.18% | 14.41% | 18.8% | -20.52% | 10% | 10.58% | 13.05% | 11.7% | 11.37% | 15.87% | 20.87% | 22.21% | 25.67% | 23.83% | 31.29% | 25.98% | 22.61% |
| Net Income Growth % | -18.86% | -280.39% | 113.48% | -98.45% | 40.28% | 54.06% | -313.42% | 0.91% | -18.43% | -28.16% | -31.57% | -39.43% | -11.9% | -9% | -5.5% | 8.74% | 36.95% | 99.43% | 128.29% | 63.44% |
| Net Income (Continuing) | 2.41M | -7.05M | 626K | 31K | 2.97M | 5.26M | -4.62M | 2.01M | 2.17M | 2.58M | 2.19M | 1.98M | 2.67M | 3.56M | 3.19M | 3.29M | 3M | 3.89M | 3.4M | 3.02M |
| EPS (Diluted) | 0.38 | -1.11 | 0.10 | 0.01 | 0.41 | 0.69 | -0.75 | 0.32 | 0.34 | 0.41 | 0.35 | 0.32 | 0.43 | 0.58 | 0.52 | 0.54 | 0.49 | 0.64 | 0.56 | 0.50 |
| EPS Growth % | -7.32% | -260.87% | 113.33% | -98.44% | 20.59% | 68.29% | -314.29% | 0% | -20.93% | -29.31% | -32.69% | -40.74% | -12.24% | -9.38% | -7.14% | 8% | 36.11% | 93.94% | 124% | 61.29% |
| EPS (Basic) | 0.39 | -1.12 | 0.10 | 0.01 | 0.48 | 0.69 | -0.75 | 0.32 | 0.34 | 0.41 | 0.35 | 0.32 | 0.43 | 0.58 | 0.52 | 0.54 | 0.49 | 0.64 | 0.56 | 0.50 |
| Diluted Shares Outstanding | 6.26M | 6.35M | 4.77M | 4.76M | 4.75M | 4.73M | 4.71M | 4.71M | 4.7M | 4.69M | 4.67M | 4.64M | 4.61M | 4.58M | 4.56M | 4.55M | 4.54M | 4.52M | 4.49M | 4.46M |